Solvay, NY · Cert 13297 · Solvay Bank Corp.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Syracuse, NY · 2026 SOD (annual) · 6.6% share · #8 of 15 inst. · $1.1B of $16.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.40% | 0.40% | 0.41% | 0.47% | 0.49% | 0.66% | 0.76% | +35 bps | |
| Return on Equity | 6.86% | 6.05% | 5.83% | 5.82% | 6.71% | 6.84% | 8.43% | 9.73% | +391 bps | |
| Net Interest Margin | 1.76% | 1.79% | 1.97% | 2.02% | 2.04% | 2.10% | 2.38% | 2.40% | +38 bps | |
| Efficiency Ratio | 81.32% | 83.28% | 80.15% | 80.87% | 78.02% | 77.24% | 72.43% | 72.57% | -830 bps | |
| Non-Interest Burden | 1.33% | 1.40% | 1.49% | 1.55% | 1.49% | 1.51% | 1.60% | 1.62% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.35% | 5.01% | -3.44% | 0.06% | -0.37% | -0.80% | 1.40% | 1.41% | +136 bps | |
| Loan Growth (YoY) | 5.16% | 2.86% | 2.75% | 2.64% | 3.84% | 3.44% | -0.29% | 2.54% | -10 bps | |
| Deposit Growth (YoY) | 13.25% | 9.35% | 0.37% | 0.42% | 0.44% | 0.57% | 3.15% | 1.38% | +96 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.10% | 0.10% | 0.11% | 0.09% | 0.08% | 0.08% | 0.11% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.01% | 0.01% | -0.02% | -0.01% | -1 bps | |
| Allowance / Loans | 1.12% | 1.12% | 1.11% | 1.07% | 1.07% | 1.07% | 1.07% | 1.05% | -3 bps | |
| Allowance Coverage of NPLs | 12.2x | 11.8x | 10.7x | 9.6x | 11.9x | 13.6x | 13.4x | 9.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 9.08% | 9.26% | 9.37% | 9.22% | 9.23% | 9.23% | 9.53% | +16 bps | |
| Total Risk-Based Capital | 9.12% | 9.08% | 9.26% | 9.37% | 9.22% | 9.23% | 9.23% | 9.53% | +16 bps | |
| Equity / Assets | 6.65% | 6.67% | 7.16% | 7.37% | 7.10% | 7.84% | 7.77% | 7.84% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.80% | 67.86% | 69.75% | 69.82% | 64.92% | 69.80% | 67.43% | 70.62% | +80 bps | |
| Liquid Assets / Assets | 8.18% | 4.14% | 1.57% | 1.67% | 7.70% | 2.26% | 3.25% | 2.82% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 198.59% | 196.79% | 189.68% | n/a | n/a | |